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AFTER 

MANY 

DAYS 



A Story 



Collins 




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CINCINNATI 
TYPOGRAPHERS 











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Rev. M. E. Melvin, D.D., 
Superintendent. 





V 



y 



After ifctuj lags 

By HENRY ALBERT qOLLlNS 
"The Life Annuity Man" 



AUTHOR OF 
"The Banker's Investment," 
"The Happy Man," 
"His Silent Partner," 
"Their Golden Wedding," etc. 



PUBLISHED BY THE 

CORRELATED PRESBYTERIAN SCHOOLS 
OF MISSISSIPPI 

REV. M. E. MELVIN, D.D., Supt.. Jackson, Miss 

/ — — — \ 






Copyright 1914 



Henry Albert Collins 
All Rights Reserved 



JUL -I 1914 

©CLA376520 




MUr JKattg lags 

]OUR men, strangers to each other, one 
December day were seated in a Pull- 
man observation car traveling through 
Mississippi. The men had talked dur- 
ing the afternoon of matters in gen- 
eral, and as dusk came on there was a lull in the 
conversation. 

David Gladden, who had noticed the damage 
the boll weevil had done to the cotton crop. en- 
route, said : "Gentlemen, this reminds me of a 
personal story. It shows how strangely some- 
times things work out after many days." 

"Go ahead," said the other men. "We will he 
glad to hear it." 

"When my father died," said Mr. Gladden, 
"we lived in Massachusetts. He left me the con- 
trolling interest in a large cotton mill. My wife 
and I had a daughter, an only child. She mar- 
ried and moved to Mississippi. A year later she 
died during childbirth. Pier little son lived bul 
a few hours. '- , : - 



Page 6 AFTERMANYDAYS 

"My wife was a member of the church from 
her youth up. I united with the church a few 
years ago. 

"While we were flush with money a financial 
agent of one of the religious organizations in 
Boston came to see us. He asked me to give 
their organization fifty thousand dollars. I re- 
fused point blank, because I was not interested in 
their line of work. The man stayed in our town 
nearly a week. He made it a point to see me 
every day and to present some phase of their 
work for my consideration. My wife urged me 
to give the man the money, but I turned a deaf 
ear to her entreaties. 

"To hasten with my story, to please my wife 
T finally gave the man twenty-five thousand dol- 
lars for a life annuity bond, which contained the 
provision that in case my wife or I should ever 
need the income from this twenty-five thousand 
dollars, on demand the organization would pay 
us six per cent, annuity annually." 

"What kind of a bond did you say Hint was?" 
nsked Joseph Morgan. 

"I believe they called it nn Optional Life An- 



AFTER MANY DAYS Page 7 

nuity Bond," replied Mr. Gladden. "It was a 
good investment, however, as you will see before 
I finish the story. 

"Soon after I gave this money away there was 
a strike at the mill. My wife's health had failed 
and a change of climate was thought necessary 
for her. We sold our interest in the mill and 
moved to this state. I bought a home in Natchez 
and a large tract of land near by and began rais- 
ing cotton. I had no experience in that line of 
work and had to depend upon others. For a 
number of years we made some money. I then 
decided to buy more land and to raise cotton on 
a larger scale. By the aid of some real estate 
agents I was able to secure a number of plan- 
tations by paying some cash down on them and 
by giving my note and a mortgage for the balance 
due on each. 

"A few years later the boll weevil struck our 
part of the country and ruined my crops for five 
successive years. By that time all my creditors 
had foreclosed their mortgages and we were left 
almost penniless. The saying that 'It never rains 
but it pours' was verified in our case. My wife 



Page 8 AFTERMANYDAYS 

was in poor health again and we were at our 
wits' end to know what to do. 

"In the pursuit of a fortune in cotton T had 
forgotten all about our life annuity bpnjta I was 
reminded of it by seeing an advertisement of 
The Correlated Presbyterian Schools of this state. 
They solicit money on the annuity plan. I at 
once thought of my annuity bond up in Massa- 
chusetts." 

"That happens to be the work that I repre- 
sent — a coincidence, — " said Dr. M. E. Melvin. 

"Is that so?" said one of the other men. 
"Your name is Melvin and you live in Jackson. 
1 have heard something of your work. In fact, 
a banker was telling me last week that your plan 
of operating the schools of your Church and 
your plan of raising money was attracting the 
attention of the business men of the state." 

"Yes, I have heard of this, too," continued 
Mr. Gladden, "but let me finish my story. My 
wife wanted to go back to her people in New 
England, so we packed our tilings and went back- 
to the Old Bay State. On arriving in Boston \ 
called to see the man who had induced me to buy 



AFTER MANY DAYS Page 9 

one of their Life Annuity Bonds. I was told 
that the man had died, but that the organization 
which he represented was still doing business. I 
called on .their Secretary, showed him my annuity 
bond and told him about our situation, and said 
that we needed the annuity money now. 

"He asked me if we wanted all the earned and 
unpaid annuity to be paid to us, or whether we 
wished the accrued amounts to be added to the 
original twenty-five thousand dollars, and on this 
sum to draw the annuity as long as Mrs. Gladden 
or I should live. This was a new feature of the 
case, and I told the man that I would consider 
the matter and let him know the following day. 

"When I returned to my cousin's home Mrs. 
Gladden met me at the door and told me to go 
at once to see a banker who was dying. He had 
been my most intimate friend before we moved 
south. On arriving at his house I was taken to 
his room. He expressed his pleasure at seeing 
me again. He said he wanted me to buy his 
bank, as his wife could not manage the bank 
business. He reminded me of my work in the 
bank when I was a young man. He said he 



Page w AFTERMANYDAYS 

would feel safe in leaving his business in my 
hands. I told him that I could not buy his bank, 
as I had met with reverses in the south and I 
was short of money. Then I told him about my 
life annuity bond and of my conversation with 
the Secretary. 

"The banker advised me to accept cash for the 
unpaid annuity, pay it on the shares of bank 
stock and continue the life annuity bond on the 
original terms ; namely, in case of need we could 
call for the annuity. Well, to make a long story 
short, I bought his bank stock and I increased 
the capital stock of the bank. After nine years 
engaged in banking I have recently sold the bank 
and I am ready to retire from business. I have 
made two hundred thousand dollars because I 
took my wife's advice and bought a life annuity 
bond that paid us large annuities after many 
days." 

"That's just fine," said Dr. Melvin. "I am 
glad to hear your testimony. It will be a help 
to me in securing money on the life annuity plan 
for our schools and colleges." 

"So you are the Superintendent of that work ? 
Well, tell us about it," said Mr. Morgan, 



AFTER MANY DAYS Page u 

"To begin with we have six schools in Mis- 
sissippi — four for girls and two for boys — with 
a combined capacity of six hundred students. 
These schools are located at Jackson, Holly 
Springs, Pontotoc, Port Gibson, and two at 
French Camp. They are all correlated under 
one executive Board. The work is state wide. 
Money raised is used by this Committee where 
it is most needed. Competition has given place 
to cooperation. Better results are thus obtained. 
Waste is being eliminated and greater efficiency 
is rapidly being developed. 

"The Presbyterian Church in its educational 
work aims to help the worthy boy or girl of mod- 
erate means by self-help to obtain an education. 
We help only those who are willing to help them- 
selves. In other words, our work does not pau- 
perize, which is the weak point of a large part 
of philanthropic effort. 

"At present the assets of the Executive Com- 
mittee in real estate amount to $300,000, and 
in gilt-edge interest-bearing securities $115,000. 
The thing that we need most is money. With 
money we can enlarge our field, build more dor- 



Page 12 AFTERMANYDAYS 

mitories and get hold of a greater number of 
such youth. 

"Our Committee have recently adopted the life 
annuity system for raising money. We not only 
get more money but the plan makes friends of 
the annuitants whose influence is of more real 
value to us than simply a contribution of money 
would be. Thus far we have issued a few Life 
Annuity Bonds, all Immediate Bonds. We are 
also ready and willing to issue Optional, De- 
ferred, or Survivorship Life Annuity Bonds. We 
need at least a million dollars for our schools 
and the establishment of a central college as a 
capstone to our system. We invest the prin- 
cipal and the income is used to pay the annuities. 
The security is, therefore, increased with each 
gift. 

"The population of Mississippi is largely rural, 
more so than in any other state. All of our can- 
didates for the ministry come from the country 
churches. Many of them have little or no means. 
The hope of our church and state is in having 
a trained Christian leadership. The only hope 
of a Christian leadership is in having Christian 
schools. 



AFTER MANY DAYS Page 13 

"Our Executive Committee and our Finance 
Committee are composed of some of the best 
business men of our state, men who have made 
a success of their own business. 

"All money paid to us on the life annuity plan 
is held in trust as long as the annuitants live, 
and the. annuity — not interest — is paid regularly 
without any application being made for it. 

"We have 264 Presbyterian churches in our 
state, with a membership of over 17,000. Our 
Endowment Fund of $115,000 makes it very 
easy for us to pay all annuities." 

"How long have you been connected with this 
work?'' asked Mr. Gladden. 

"Some six years, but this plan of correlation 
has only recently been adopted." 

"Can you tell us of some individual cases in 
your schools?" 

"Yes, sir," answered Dr. Melvin. "A widow 
of limited means had six sons. To save them it 
became necessary to send them away from their 
home town. She sent them to us. They helped 
pay for their schooling by their work in our in- 
dustrial department, and by so doing they were 



Page 14 AFTERMANYDAYS 

not pauperized. They have developed into manly 
Christian young men. 

"A girl, one of a large family with limited 
means, took a full course of Domestic Science in 
one of our schools. She graduated with honor, 
and returned to her community as a missionary 
of the new gospel of economy, cleanliness, thrift 
and grace. 

"Two brothers, who were past twenty-one and 
had a very poor education, worked their way 
through our school by sweeping, milking and 
doing oilier chores. They not only paid their 
school expenses but also assisted in the support 
of their parents in the meantime. One of these 
men is in the ministry in the foreign field, the 
other is a prominent teacher in one of our schools, 

"There are scores of other cases that I might 
mention if time permitted me to do so. Money 
spent in the education of young people in Chris- 
tian schools will yield larger visible returns than 
money spent in any other avenue of labor. It is 
a direct contribution to both Home Missions and 
Foreign Missions. It is basic work. We have 
a gold mine for our church in these young people, 



AFTER MANY DAYS Page 15 

but to successfully work it the school must have 
money and friends." 

Milton Allen, who, up to this time, had been a 
silent but interested listener, now asked : "What 
do you consider the greatest thing- that is con- 
nected with your work?" 

Doctor Melvin's face lighted up as he replied : 
"The making of Christian character. It is rare 
to have boys and girls who attend our schools, 
who have not previously accepted Christ as a per- 
sonal Savior, leave without doing so. Recently 
twenty-six young people in one of our schools 
made a profession of faith in Christ. I believe 
that the most important task of the home, the 
church or the school is to fashion its youth after 
the stature of the Perfect Alan. Do you know 
that nearly ninety per cent, of the children of 
America are growing- up and being educated 
without any religious impressions whatever?" 

"After I received the money on my life an- 
nuity bond," said Mr, Gladden, "I made a careful 
and thorough study of the life annuity system. 
My wife says this annuity bond is like 'The 
House that Jack built.' Without the bond we 



Page 18 AFTERMANYDAYS 

would not have had any money, without the 
money I could not have bought the bank, with- 
out the bank I would not be worth as much as I 
am to-day. We have been instrumental in get- 
ting others to invest their money in life annuity 
bonds. 

"We knew a young man who inherited two 
thousand dollars from his grandmother. He had 
a chance to put all or a part of his money into 
an annuity bond, which would have paid him a 
good rate of annuity and at the same time been 
the means of doing good. But he bought an 
automobile instead and the machine burned up 
shortly after it was purchased. 

"My wife thinks because the annuity system 
was such a great help to us that we ought to put 
the bulk of our money into annuities. She and 
I are now making out a number of applications 
for annuity bonds with various religious organi- 
zations. We will take a bond with your organi- 
zation, Dr. Melvin. I am interested in your line 
of work and I know that my wife will be willing 
to lake one of your bonds." 

kk I thank you, Air. Gladden, for your splendid 



AFTER MANY DAYS Page 19 

offer to help us. Let me tell you about one of 
our annuitants," said Dr. Melvin. "A lady in 
our state was left twenty thousand dollars from 
her husband's insurance. For some years she 
had contributed annually small sums to our work. 
After getting her money she sent for me. I went 
to see her and she bought three Survivorship 
Life Annuity Bonds of us — one for herself and 
daughter, one for herself and son, and one for 
herself and an orphan nephew who was work- 
ing his way through one of our schools. Some 
one has said : 'If a man is down help him up, 
but don't carry him.' This lady invested eight 
thousand dollars of her money in stock of a local 
bank. It paid dividends for a while, but last 
month the bank failed and the stockholders lost 
everything. I met this lady a few days ago and, 
with tears streaming down her face, she told me 
how glad she was that she had given the bulk of 
her money to our schools on the annuity plan. 
She said our bonds were as safe as Government 
Bonds and she was getting a good income regu- 
larly, to say nothing of the joy she experienced 
in knowing that her monev was doinQ- gfood." 



Page 20 AFTERMANYDAYS 

Joseph Morgan then said: "I believe life an- 
nuity bonds are a good investment for people 
who have money, but all that I have is invested 
in real estate, and I owe a few thousand dollars 
on which I am paying interest, so your plan will 
not fit my case." 

"On the contrary," said Dr. Melvin, "we have 
taken in trust some real estate at certain valua- 
tions, and with the assistance of the owner we 
have been able to find a purchaser for the prop- 
erty at the price named. Then after paying the 
indebtedness on the property we issue an annuity 
bond for the balance of the proceeds. Of course 
we prefer to have cash, as it saves us much val- 
uable time and money if we have to hunt around 
for a buyer for the property. Nevertheless, under 
certain conditions we are willing to handle some 
real estate." 

While the train was being- switched at a junc- 
tion these gentlemen walked up and down the 
platform to get a little fresh air and to rest their 
limbs. Mr. Allen watched his chance and slipped 
a card into the hand of Dr. Melvin. The card 
read : "I leave the train before midnight. Can 
I see you privately?" 



AFTER MANY DAYS Page 21 

Dr. Melvin understood what he meant, so he 
excused himself and went forward to the day 
coach. Mr. Allen soon joined him. He said : 
"This annuity business is a new thing- to me. I 
do not fully understand how it works. I did not 
want to expose my ignorance, so I kept still while 
the others were talking. Please tell me how this 
annuity business began, whether it has the sanc- 
tion of the best business men in this country, and 
what rates of annuity you pay. If it meets with 
my approval I am willing to take one or more 
of your bonds, for I heartily indorse the policy 
of your schools." 

Then Dr. Melvin explained how the life an- 
nuity system began more than two thousand years 
ago, how it has grown in foreign countries until 
its business reaches into hundreds of millions of 
dollars, how the life annuity system began more 
than one hundred and fifty years ago in the 
United States and its growth in this country, how 
schools, missionary societies, hospitals, church 
building societies, homes for the aged and the 
orphan and other organizations in all of the large 
church denominations in the United States are 



Page 22 AFTERMANYDAYS 

using- the annuity system to secure money for 
their work. 

He said that the best business men, who are 
also Directors or Trustees in various religious 
organizations, heartily commend this plan, for 
they have found by experience that it is by far 
the most satisfactory and economical system for 
securing money. Dr. Melvin handed Air. Allen 
a copy of the application and a sample of a Life 
Annuity Bond, then he told him what were the 
rates offered by their Board of Directors to one 
of his age. 

Dr. Melvin handed Air. Allen a small card on 
which was printed the following twenty reasons 
for buying life annuity bonds with their corre- 
lated school system: Sanctioned by the Scrip- 
tures, best of security, increased income, prompt 
payment of annuity, bonds not taxable, no idle 
money, no commissions to pay, no trouble or 
worry, issued for any amount and on any per- 
son, no medical examination required, no watered 
stock and never lapses, burglar proof, no broken 
wills, no court costs, insures speedy settlement of 
estates, no family litigation or feuds, relations all 



AFTER MANY DAYS Page 23 

benefited, can not be attached for debt, because 
annuitants recommend them, and last, but not 
least, that it insures a longer and happier life for 
the annuitant. 

"For years," Mr. Allen said, "I have been 
bothered by getting many begging letters. Of 
course I make it a rule to never give away money 
until I have carefully investigated the need. Sev- 
eral years ago I adopted this rule for benevo- 
lences : to give only to places that were well 
managed, to those that promise the best results, 
to those that lay stress upon formation rather 
than re-formation, and lastly to follow the Scrip- 
tural admonition, 'To let my light so shine before 
men that they, seeing my good works, might be 
stimulated to do likewise, and thus glorify our 
Father which is in heaven.' 

"Over and over again I have received begging- 
letters from total strangers who failed to state 
for what purpose they wanted the money or how 
much they needed. They simply requested me to 
send them whatever amount I could spare. I call 
that 'pernicious begging.' Worthy organizations 
need money, and I have often said that there 



Page 24 AFTER MANY DAYS 

should be a belter system to finance these insti- 
tutions — more especially the church schools — 
than by constantly begging for nickels and dimes. 
This method belittles the work, and often jars 
the nerves of some good people. I hope the life 
annuity system will be able to correct this defect. 

"It seems to me that you are offering a very 
liberal rate of annuity," continued Mr. Allen. 
"How can you afford to pay these rates?" 

"For three reasons," replied Dr. Melvin. First. 
all of our Directors contribute their services, the 
teachers receive very modest salaries, the stu- 
dents do the bulk of the work and we raise much 
produce on our farm, and this reduces our cost 
of operation. Secondly, we can afford to pay 
these rates because we find that the cooperation 
of our annuitants more than offsets the slight 
increase in our annuity rate to them, which rate 
is a little more than the interest we get on the 
money which we hold in trust." 

"This seems to me like a losing proposition," 
said Mr. Allen. 

"Well, things are not always what they seem 
to be," replied Dr. Melvin, "as you will find out 
later. And thirdly, some one has said, 'Cast 



AFTER MANY DAYS Page 25 

your bread upon the water, and after many days 
it will come back to you buttered.' The wise 
man was right when he said, 'The liberal soul 
shall be made fat : and he that watereth shall be 
watered also himself.' " 

"Well, I guess you're right," admitted Mr. 
Allen. 

Dr. Melvin then continued : "It seems to me 
that people have a great responsibility as well as 
privilege in so disposing of their wealth during 
their lifetime that it will be a present comfort to 
themselves and a blessing instead of a curse to 
the world after they are gone." 

"Yes, sir. That's just my view of the matter, 
too," said Mr. Allen, with a smile. "It looks as 
if your work complies with my rule for giving 
away money. You will hear from me soon. 
Here is my card. Call and see me whenever it 
is convenient for you to do so. Mr. Gladden has 
told us a story about how things turned out for 
him after many days. Let me tell you of a ease 
that happened in our town. It will illustrate bow 

'The best laid schemes o' mice and men 

Gang aft a-gley ; 
And leave us naught but grief and pain 

For promised joy.'" 



Page 26 AFTERMANYDAYS 

"I will be very glad to hear the story," said 
Dr. Melvin. 

"Well, this is the story. Mr. and Mrs. Wil- 
son, who lived in our town, had two children, a 
daughter and a son. The daughter died in child- 
hood. The son was converted during a revival. 
He afterward studied for the ministry and was 
sent as a medical missionary to China. During 
the Boxer uprising he was beheaded. The shock 
of his fate hurried his mother to her grave. Mr. 
and Mrs. Wilson were greatly interested in mis- 
sionary work. Why shouldn't they have been? 
It is written, 'Where our treasure is there will 
our heart be also.' They often said they were 
going to will all they possessed to the Mission- 
ary Society of their denomination. I have often 
heard Mr. Wilson tell with glee how he and his 
devoted wife had worked and saved for many 
years to accumulate this money for the mission- 
ary cause. We could all see with what joy he 
anticipated the time when their money should be 
used in the work they loved so dearly. 

"For a few years after his wife died Mr. Wil- 
son lived alone in the old house. One day the 



AFTER MANY DAYS Page 27 

desire for kinship caused him to make a trip to 
see a distant cousin whom he had never seen. 
This man had no love for the old gentleman. 
While Mr. Wilson was visiting this relative he 
died very suddenly. A lawyer in our town told 
me that he had previously drawn up a will for 
Mr. Wilson whereby he stipulated that all his 
property should be given to their Missionary 
Society. 

"After Mr. Wilson's death this will could not 
be found. The relative produced a will that was 
admitted to probate. This will, which was dated 
the day previous to Mr. Wilson's death, provided 
that this relative should be his sole heir. As no 
one contested the latter will the Court permitted 
this will to stand. So all the self-denial and 
labor to save money for the missionary cause 
was love's labor lost, and an undeserving man 
wasted their substance in riotous living. How 
much better it would have been for all parlies 
concerned if at that time this Missionary Society 
had been doing business on a life annuity system." 

"I must tell you of another case, though I have 
but a moment," said Dr. Melvin. "An old gen- 



Page 28 AFTERMANYDAYS 

tleman in my home town wished to leave a me- 
morial to himself and deceased wife in the form 
of a scholarship in one of our schools. He had 
no children, and no relatives who cared for him. 
He desired to leave $2,000 to us so that after his 
death it might he used to help some worthy hoy. 
The Constitution of our state prohibits a bequest 
by will to a religions organization. To obviate 
this law he signed a note giving to us $2,000, 
payable one day before death. During his last 
illness a relative found this note among his papers 
and failed to send it to our school. However, we 
could not have collected the note because it was 
contrary to our state law. But the sad part of 
it is that to-day this man and his wife have no 
living monument to their memory. 

"ft was this case which caused me to advocate 
the life annuity plan. I could give you a dozen 
other illustrations," said Dr. Melvin, bidding 
adieu to Mr. Allen. "All of them emphasize my 
slogan — Do It Now!" 



Oty? lExeottte (Eommiitee of lEtatr&tum 

/|)\F the Synod of Mississippi in the Presbyterian 
V!l/ Church is an incorporated body of eight men, 
business and professional, who have been selected 
for their qualifications for this work, and who are 
intrusted with the care and maintenance of the 
schools and colleges belonging to the Presbyterian 
Church in this State. They hold all the property 
of the six schools, invest and disburse all funds, and 
give a careful and businesslike oversight to the in- 
stitutions of this Church. The special task to which 
they are committed is that of providing Christian 
education of the highest type to worthy boys and 
girls of limited means of the State. The Plan of 
Correlation adopted by the Synod of Mississippi 
looks toward the elimination of all waste effort and 
money in securing students, educating them, and in 
developing the highest grade of efficiency possible. 
Competition has given place to cooperation. The 
educational work of the Presbyterian Church of 
Mississippi is now State-wide and concerns no one 
school more than another. All funds secured 
through the sale of Life Annuity Bonds are care- 
fully invested, and within a few years these funds 



will be released by the death of the Annuitants, thus 
providing the money for the work contemplated. 
The Church can do no greater work to-day than 
that of training its young people for future leader- 
ship. The class being helped constitute the greatest 
potential asset of the Church to-day. 

f Dr. J. B. Hutton, Cli'm'ii. 

Dr. M. E. Meevin, Supt. 

Oscar Newton. 

R. E. Kennington. 

Hon. George A. McLean. 

Rev. George D. Booth. 

W. S. LlNDAMOOD. 

W. C. Weees, Jr. 



Executive Committee: ^ 



A ffitft Amuutg Inttb 

3S an Insurance Policy "turned round." In life 
insurance you pay many small amounts, and at 
death your heirs get a large amount — possibly. The 
Life Annuity Bond provides that you pay one large 
amount and receive while living many small amounts 
annually until death. This form of investment ap- 
peals to those who wish to see their money devoted 
to some high use after they are gone, but who must 
have a fixed and certain income while living. There 



can be no litigation, expense or failure to have the 
investment devoted as the donor desires. Wills are 
more often broken than kept. Witness court pro- 
ceedings. 

Money given to the Executive Committee of Ed- 
ucation of Mississippi is carefully invested as a 
part of the permanent funds of the Committee, and 
the buyer of the Life Annuity Bond is paid a reg- 
ular, stipulated income during life. This rate is a 
trifle higher than can be had from ordinary invest- 
ments. When the Annuitant dies, the interest on 
the fund is devoted perpetually to the cause of 
Christian education of worthy boys and girls of the 
State of Mississippi. There are no commissions, 
no taxes, and little expense in investing these funds, 
hence the rate can be raised. The Bond terminates 
with the death of the Annuitant. The rate is deter- 
mined by the age of the Annuitant. The older the 
person, the higher rate of interest paid. No medical 
examinations are required. 

Life Annuity Bonds may be purchased in any 
amount, and upon the life of one or more individ- 
uals. We issue Immediate, Deferred, Optional, and 
Survivorship Bonds. For application blanks, liter- 
ature and information address 

M. E. MeXvin, D.D., 
Century Building, Jackson, Miss. 



Bfom moneys are Satfieft 

i. By direct gifts without conditions for the per- 
manent endowment funds of the Synod of Mis- 
sissippi. 

2. By an annual contribution from churches and in- 
dividuals of scholarships. A scholarship in any 
one of the schools is $50 and is devoted to the 
help of some worthy boy or girl. This annual 
offering is made on the first Sunday in June. 

3. By the sale of Life Annuity Bonds. The prin- 
cipal is immediately invested, and becomes in 
itself an additional security for the payment of 
the annuity to the annuitant. The Committee 
holds property worth $300,000 and endowment 
funds of $115,000. This insures a safe and cer- 
tain income during" life to the donor or to some 
one designated by him. 

Add icss all inquiries to 

Dr. M. E. Melvin, Superintendent, 

Century Building, Jackson, Miss. 



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